Need Advice on Insurance Claim for Flood Damage – Electrical Issues and Ongoing Repairs

Hi everyone,

I’m seeking advice on a somewhat complicated situation with my insurance claim and home repairs after a flood. I own a $1.8 million home in Berkeley, California. Recently, my home experienced significant flooding upstairs, which also affected the downstairs room and floors. As a result, the walls of the downstairs room are currently open.

Here’s a brief rundown of the situation:

• Insurance Payout: I received an estimated payment of $80,000 from my insurance company for the damages.
• Repair Quotes: The quotes I’ve received for the repairs range from $115k $130K.
• Electrical Issues: The initial insurance quote did not include fixes for knob and tube wiring. Additionally, the remediation company noted moisture damage to the fuse box panel, although I’m unsure if this was documented in their report. I’ve already started the electrical work, replacing some wiring (no changes to the fuse box)
• Repairs Ongoing: We have started some repairs, but I’m concerned about the impact this might have on the insurance payout. We haven’t cashed any checks yet. I have not told the insurance about the ongoing repairs

Given these details, I’m feeling a bit overwhelmed and unsure about the best next steps. Specifically, I have a few questions:

1.  Is it too late to hire a public adjuster, considering we’ve already started some of the repairs?
2.  How should I handle the fact that the insurance quote didn’t include the necessary electrical work for the knob and tube wiring, especially given the moisture damage noted by the remediation company?
3.  What can I do to ensure I get fair compensation for all the repairs needed, including the electrical work and ongoing repairs?

I would greatly appreciate any advice or insights from those who have navigated similar situations. Thank you!